I met Cosmo by accident and opportunity, after hackers used social-engineering techniques to circumvent Apple's and Amazon’s security mechanisms and break into my accounts. After it happened I fell into their world and began communicating regularly with the very hacker who jacked me, a kid named Phobia. He introduced me to Cosmo, who wanted to tell me about all manner of other account vulnerabilities.

A decade old longread from Wired that also shines a light on how trivial it was to bypass mechanisms of some online services back in the day.

(I am not sure if Wired has this paywalled because I had the BPC extension installed but it opens properly with it).